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Our Financial Institutions

Personal Loans in Vijayawada

Personal loans in Gwalior can be easily obtained as various banks and NBFCs are providing it at attractive interest rates. A personal loan can be an ideal option for those who are in urgent need of money as it can be obtained instantly without providing any security against the loan. The loan amount ranges from Rs. 25,000 to Rs. 25 Lakhs with a tenure period of one to five years.

A personal loan is also known as multi-purpose loan as it can be obtained for multiple purposes such as paying off medical bills, home renovation, wedding expenses, purchasing personal durable goods and travel expenses etc. In fact, a personal loan can also help you to pay off multiple unpaid loans by opting for debt consolidation.

Situated in the central Indian state of Madhya Pradesh, Gwalior is famous for its temples and places of interest. When you delve deep in to its history, the place has attracted many tourist with its formidable structured forts. Considering the rapid growing economy of the state derived by tourism sectors, multiple financial institutions have started enlarging their business by providing multiple loans to their customers.

To get a personal loan in Gwalior at a good terms and conditions, it is advisable to have a good credit score. A good credit score i.e. above 700 will help you to get a personal loan at a low interest rate. Moreover, to get a loan at a good deal, there are other factors which you should keep in mind such as, your monthly income, reputation of the company you work for, your work experience, minimum age etc. Your lending institute will consider all these factors while making a lending decision.

It is best to carry out detailed research and gather relevant information before taking a personal loan. The interest rates, processing fees, flexibility of tenure and pre-payment charges should be compared and the best option should be chosen. Many people fall into the trap of borrowing from private lenders who charge a very high rate of interest. At times, the interest rates can go as high as 30%. It is advisable to turn to online lending platforms as the loans are provided at low interest rates at these platforms. To get the best deal without going through a lot of trouble, online lending platforms such as IndiaLends.com are a good option. Applying for a personal loan online is convenient as most of the work is done by the online platform. When you apply online, your application is sent to various Banks and NBFCs according to your profile who make a lending decision after reviewing your application. Online platforms like IndiaLends operate without charging any extra fees or attached hidden costs.

Personal Loan: An Overview

A Personal loan is a form of credit offered by financial institutions for the borrower’s personal use. It is an unsecured loan and doesn’t require collateral as security or a guarantor to avail the loan.

How it Works

A Personal loan is a form of credit offered by financial institutions for the borrower’s personal use. It is an unsecured loan and doesn’t require collateral as security or a guarantor to avail the loan.

1

Registration

Apply online in less than 2 minutes

2

Quick Verification

We will review your application and give
you a decision within minutes

3

Loan Disbursal

Receive the loan amount within two days.

Find out your customized interest rate for a Personal Loan in Vijayawada

A Personal loan is a form of credit offered by financial institutions for the borrower’s personal use. It is an unsecured loan and doesn’t require collateral as security or a guarantor to avail the loan.

I was not able to get a personal loan since my CIBIL score was very low. IndiaLends helped me improve my credit health. As my credit score is 750 now, I am planning to apply for a personal loan once again.

5.0

Ram Desai

Based on the customer service, the overall experience with IndiaLends has been great. The security precautions that IndiaLends provides to their customers is definitely, by far, the best I've experience with any lending company till date.

4.0

Sania Singh

I really appreciate their service. As they do what they say. I applied for an unsecured personal loan with IndiaLends and it got disbursed within six days. Though the rate of interest is a bit high, but I guess it is fine when you are in urgent need of a cash.

3.0

Rashee Maggu

I applied for a personal loan at IndiaLends. The process was really swift and satisfactory. I really appreciate their customer service as they do wonderful job in showing right financial path to their customers.

4.0

Frequently Ask Questions

Q.
How much can I borrow and for how long?

A.
You can get personal loans starting from Rs. 25,000 up to Rs.25 lakhs for 1 to 5 years.

Q.
Can I repay my loan early?

A.
Yes, you can pre-pay your loan as and when you want.

Q.
How does Indialends assess my credit worthiness and how long does this take?

A.
Each consumer wishing to borrow on the Indialends portal will need to go through a rigorous verification and credit assessment process. The assessment is based on information collected from various data sources like the application form, credit bureaus, bank statements, pay slips, verification reports, social media, etc.
The above process is automated and happens within seconds. Hence, you can get an approval shortly after you submit your application.

Q.
Why was my application rejected?

A.
The reason your application was rejected was because your credit profile did not match the criteria stipulated in the Indialends policy at the time. However, Indialends might be able to approve your application at a later date, if by then your credit file has improved or there have been changes in the Indialends credit policy.

Q.
What is my repayment schedule?

A.
Repayment of the loan will happen monthly on an EMI (equated monthly installment) basis where the amount will be calculated based on amortizing balance. One or two of the installments might be different which will depend on the timing of the loan.

Q.
What happens in the case of a missed payment or non-payment by a borrower?

A.
If the monthly payment for a borrower is delayed for any reason, a penalty fee and penal interest might be charged to the borrower.
The borrower’s credit file will also get impacted which will restrict him / her to get credit in the future. Legal action may also be taken against the borrower.

Q.
What information is shared with the lenders browsing through the profiles?

A.
Lenders will have the ability to view detailed profiles of the borrowers, information like financial information, employment information, etc. The personal information of the borrower remains protected as per our privacy policy.

Q.
How do I alter my loan request?

A.
Loan requests can only be cancelled prior to loan disbursal. In case you want to make any changes to your request please reach out to support@indialends.com. The support team will help you in making the modifications.

Q.
How can I make monthly payments?

A.
You can pay your EMIs using electronic transfer of funds, ECS.

Q.
How will you disburse the loan amount?

A.
Soon after the loan is approved, the funds will be transferred right into your bank account.

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